I can understand the OP because even though the new expansion is not that old, I already feel a bit bored at the content. I still like the game (otherwise I would just stop playing completely) but there is simply no new endgame content that I can or want to do. (Raids are not something for me, Palace solo is nearly impossible right now thanks to DC, and I dont want to farm the two primals endlessly for a chance at the wolf) I am not sure why we could not at least get one real new long lasting content in 4.0. I mean I did take my time with the story but that is still over quite fast.

But I have the problem, that I simply cant take a true break because I would lose my ingame house thanks to that and if I continue to pay money for this game then I dont want to just log in once a month to keep the house.

So I do still play it (but not that much like before) and use the time to gather and craft while catching up on some lets plays.

If you can do break without losing anything ingame I would say that its probably better to do so. Not only is better for your enjoyment but it might show SE that they need more diverse content even in the release of the expansion.